124 Scotch Pine Cir, Sandpoint, ID 83864 Property Records

Bonner County property record for 124 Scotch Pine Cir, Sandpoint, ID 83864

Property Summary

Property Type	Single Family Home
Details	2,279 sqft · built 2024
Lot Size	1.05 acres (45,738 sqft)
Owner	Individual Name on File
Tax Bill	$3,254 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Aug 2023 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`RP033690010020A`

Property Details

APN / Parcel Number

Primary APN	`RP033690010020A`

Interior

Total Rooms	3 Rooms
Stories	2 Stories
Building Area	2,279 sqft Finished Area
1st Floor Area	2,279 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	45,738 sqft (1.05 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	124 SCOTCH PINE CIR
City	SANDPOINT
State	ID
Zip	83864-8829
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Description	10-57N-1W SUNNYSIDE BAY ADDN BLK 1 LOT 2
Legal Range	01W
Legal Township	57N
Legal Section	10
Legal Subdivision	SUNNYSIDE BAY ADDN
Legal Block	1
Legal Lot Number	2
Jurisdiction	BONNER ID
Township / Civil Division	SANDPOINT
Census Block Group	1
Census Block	1062
Census Tract	950202

Owner

124 Scotch Pine Cir is owned and occupied by an individual who acquired it in December 2021.

Source: Bonner County records, as of October 15, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	124 SCOTCH PINE CIR, SANDPOINT, ID 83864-8829
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2026	Deed of Trust, Mortgage · Line of Credit NUMERICA CREDIT UNION
Aug 11, 2023	Deed of Trust, Mortgage · Construction Mortgage BOEING EMPLOYEES CU
Dec 2, 2021	Warranty Deed, Transfer ALLIANCE TITLE SANDPOINT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2021
Deed Sale	Dec 2, 2021
Prior Sale	Mar 1, 2021
Deed Document Number	2021996659
Prior Transfer Date	Feb 16, 2011
Prior Transfer Doc	0000806162
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Recording Date	Aug 4, 2026
Property Address	124 SCOTCH PINE CIR, SANDPOINT, ID 83864-8829
Document Number	0001065371
Instrument Date	Jul 30, 2026
Instrument	20261065371
Transaction Type	Mortgage
Record Updated	Aug 14, 2026
Title Company	TITLE ESCROW, FLYING S TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 SCOTCH PINE CIR, SANDPOINT, ID 83864-8829

Mortgage

Document Number	0001065371,
Date	Aug 4, 2026
Instrument	20261065371

Lender

Name	NUMERICA CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Jul 25, 2051

Interest

Rate	6.43%
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	124 SCOTCH PINE CIR, SANDPOINT, ID 83864-8829
Transaction Type	Mortgage
Record Updated	Oct 12, 2023
Title Company	ALLIANCE TITLE SANDPOINT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2643 W DUMONT DR, COEUR D ALENE, ID 83815-5069

Mortgage

Document Number	0001023871
Date	Aug 11, 2023
Instrument	1023871

Lender

Name	BOEING EMPLOYEES CU
Type	Credit Union
Address	SEATTLE, WA 98168

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2034
Change Frequency	6 Months
Min Rate At Change	3.25%
Max Rate At Change	11.6%
Max Rate	11.6%

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BONNER ID
Recording Date	Dec 2, 2021
Property Address	124 SCOTCH PINE CIR, SANDPOINT, ID 83864-8829
Document Number	0000996659
Map Reference	6 PG 142MB
Instrument Date	Dec 1, 2021
Instrument	996659
Transaction Type	Transfer
Record Updated	Oct 12, 2023
Title Company	ALLIANCE TITLE SANDPOINT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2643 W DUMONT DR, COEUR D ALENE, ID 83815-5069

Tax Assessment & Valuation

The 2026 property tax bill for 124 Scotch Pine Cir was $3,254 with a homeowner's exemption.

Source: Bonner County assessment roll, as of October 15, 2026

Property Jurisdictions

Type	Name
State	Idaho
County	Bonner County
Unified School District	Lake Pend Oreille School District 84 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,254.00 Homeowner's exemption	$824,045 (-1.36%) Land $266,063 Building $557,982	$824,045 (-1.36%) Land $266,063 Building $557,982
2025	$3,254.00 Homeowner's exemption	$835,430 Land $266,063 Building $569,367	$835,430 Land $266,063 Building $569,367
2023	$754.00	$188,105 Land $188,105	$188,105 Land $188,105

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 124 Scotch Pine Cir in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	11 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 124 Scotch Pine Cir is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 89% of Idaho
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ODEN WATER ASSN INC serves 1,524 people · EPA ID ID1090092
Water Source	Surface water
Last State Inspection	May 2023
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
MountainLink Fixed Wireless	250 / 50
Wired or Wireless Fixed Wireless · not low latency	30 / 10
E.L. Internet Northwest Fixed Wireless	30 / 7

May also be available: Intermax Networks, Kaniksu Internet, T-Mobile.

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